What must be included in an adverse action notice about the CRA's involvement?

• A. The name, address, and phone number of the CRA that supplied the report and the consumer's right to obtain a free copy of the report.
• B. Only the consumer's name and address.
• C. A creditor's contact information.
• D. A generic notice without specific CRA information.

Answer: (A)

When adverse action is taken based on information in a consumer report, the notice must clearly identify the source of the information and give the consumer access to it. Specifically, it should name the consumer reporting agency that supplied the report, include its full contact details (name, address, and phone number), and state the consumer’s right to obtain a free copy of that report. This allows the consumer to verify the data and contact the CRA if any information is inaccurate or outdated.

Options that omit the CRA’s identity or provide only generic or unrelated contact information don’t meet the requirement, and thus are not appropriate.